Banking & Finance Software & IT Services

Banking is a sector that needs highly robust and secure management systems to manage daily banking processes and special requirements for a large customer base. Based on the volatile market conditions, an automated software system would enhance performance and efficiency.

With over a decade of experience in various banking software solutions (portals, intranets, mobile apps, CRM, etc.).Czario manages their successful implementation, integration, testing and deployment while providing augmented support.

The Benefits of outsourcing your Banking Software Fulfilment to us are:

  •   Shortened Sales Cycle
  •   Predictive Analysis of customer behaviour
  •   Increased conversion rates
  •   Growth in life-time value
  •   Accelerate customer satisfaction
  •   Integration with Fintech solutions
  •   Increased operational efficiency with reduced operational expenses
  •   Highly-secure and scalable applications
  • The Challenges addressed by Czario

    Decreased level of customer trust because of system breaches

  •   Customer attrition
  •   Unsatisfactory CX and loyalty
  •   Weak cross-selling
  •   Disintegrated communication with customers
  •   Fragmented view of customer needs
  •   Increased competition from Fintechs
  • Our platform-centric, bespoke banking solutions serve the distinct needs of corporate and retails banking. We offer implementation, integration, testing, deployment, and support for a large network of banks.

    Banking Software Solutions We Implement

    Internet banking

    Customer internet banking responds the ever-growing customers’ needs for secure and seamless access to their banking accounts.

    Whether you want to implement a solution from scratch or update an obsolete software, Czario will provide you with rich functional scope, highly responsive code, and ensure the implementation of the best online banking practices.

    Bespoke internet banking solutions let your clients enjoy the following benefits:

  •   Pull up details of their checking, savings and credit accounts
  •   Set up limits for their cards
  •   Make instant or scheduled payments
  •   Make transactions between banking accounts
  •   Request bank statements or other applicable documents online
  •   Analyze information at-rest and also dynamic content to detect frauds
  •   Simplified mobile banking
  • Mobile banking

    Provide your customers with the complete range of full-fledged banking services on their phones.

    Backed by more than a decade of experience in mobile app development, we help you implement custom mobile banking software tailored to your specific needs. Our software solutions vary from basic to advanced mobile banking apps with modern-day functionalities like personal financial management, loyalty program integration, personalized bank product offering, augmented reality, and more.

    Bank customer portals

    Customer portal

    We help build secure, convenient and user-friendly co-working environments and dashboards for your customers with customized portals and banking solutions created from ground zero.

    Our experts let you create B2C banking portals for ongoing communications and long-term relationships with your customers, or B2B portals with role-based content personalization, multiple logins for customers/employees, clear portfolio management, financial planning and other custom functions.

    Banking CRM

    Use strong capabilities of Dynamics 365 and Salesforce to enhance generation of customer-related data and effectively communicate with both prospects and current customers.

    With 11 years in CRM consulting, ScienceSoft can boost your effectiveness in various customer-facing activities such as:

  •   cross-selling and up-selling
  •   customer support
  •   systematic lead nurturing
  •   customer data management
  •   channel activity tracking
  •   customer experience management, and more
  • Loyalty program management

    Increase customer engagement with your brand across multiple product lines by,

  •   Establishing omnichannel communications
  •   Adopting artificial intelligence-guided omnichannel approach for managing customer relationships
  •   Building flexible reward systems
  •   Incorporating elements of gamification
  •   Banking data analytics
  • Banking data analytics

    Tap into customer trends and liquidity forecasts, drive revenue and mitigate risks by converting raw data into actionable, reliable, consistent, and fruitful insights.

    We handle the following types of bank data analytics:

  •   Customer analytics (customer segmentation, attrition analysis, cross-sell effectiveness analysis, etc.);
  •   Channel analytics (analysis of branch transactions and customer traffic, analysis of click patterns, frequently accessed web-pages, search behavior, the most widely used mobile banking features, etc.)
  •   Marketing analytics (success of marketing campaigns, factors that increase sales, etc.)
  •   Risk analytics (credit risk, market risk, operational risk, liquidity risk, etc.)
  •   Performance analytics (sales performance, branch and digital channels performance and profitability, etc.)
  • Custom lending software

  •   Make quick and well-informed loan decisions with risks mitigated and reducedtime and costs of loan delivery
  •   Digitize loan processes like origination, underwriting and servicing
  •   Introduce an easily configurable borrower platform for consumer, commercial and small business loans
  •   Opt for a web-portal or a custom mobile application to expedite the mortgage application process
  •   Enhance the security levels of your mortgage lending services with e-signatures, e-delivery and e-closing tools
  •   Create a single system of record or single point of access for your lending operations with Czario’s lending software module
  • Custom payment software

  •   Harness the power of digital payments
  •   Foresee challenges with payment redemption well ahead of time
  •   Ensure fast and secure transactions with customized mobile payment solutions
  •   Increase customer loyalty with NFC or QR-based mobile wallets that hold digital information about customers’ credits and spends
  •   Enable customers to make real-time, person-to-person (P2P) payments on-the-go
  •   Streamline the accounts payable process for your business clients
  • Bank intranet

  •   Help increase individual employee and team productivity
  •   Simplify collaboration and communication between departments
  •   Create a unique environment for data sharing and channelized communication
  •   Ensure information consistency, better data management and querying
  •   Simplify delegation of work automatically based on job roles and set thresholds and timelines
  • Document management system

  •   Ensure seamless and fully-automated document circulation in your bank
  •   Create a single library that supports multiple document templates
  •   Create automated workflows for receiving, routing, verifying and completing documents
  •   Ensure document compliance with internal and global standards and regulations
  •   Bank Information management solution
  • Knowledge management solution

  •   Make your bank’s corporate and functional knowledge a key asset to your organization
  •   Develop a corporate knowledge base and a unified discussion hub
  •   Create acentralized corporate education network
  •   Share case studies, workshop materials, guidelines,webinars, FAQs and other knowledge items
  •   Discuss events, ask questions, get consultations, customer reviews, engage in demo product launches and other activities with rich knowledge management software platforms
  • CRM for Banks and Financial Service Providers

  •   Automate manual processes
  •   Automatically generate potential customer information with the data in hand using AI and machine learning capabilities
  •   Using Microsoft Dynamics 365 and Salesforce, we automate reviewing requirements, consulting, project management, system tuning, integration, updates and training
  •   We cater to mid-sized and large banks, community banks, and credit unions
  • Some of the key CRM features we offer include:

    Data management, profiling and targeting which uses data from activities, updates, system interactions, and ATM transactions to view balances, make product offerings, evaluate credit scores, and more. We design databases that bank on the capacities of AI and deep learning to store information about account openings and closures, deposits, withdrawals, etc. to analyze and predict customer behavior. Using this information, banks can create targeted offers and provide superior customer experience.

    Customer analyticshelps analyze customer interactions, transactions, and inputs (surveys and reviews) and define their preferences. This helps categorize customers based on segments and track profitability. The high-potential and high-performing customer segments can be identified and strengthened.

    Sales and marketing automation in CRM ensures that your long-term and immediate goals and deadlines are met while focussing on marketing and sales campaigns. For example, marketing specialists can automatically segment customers based on their transaction history, account balance and other significant attributes and design effective products that will be recommended by the banking system automatically. Thus, tailored e-mails, phone calls, social media posts, events and campaigns can be devised to get better visibility into the customers’ requirements.

    Workflow management CRM solutionshelp managers automate workflow processes such as tasks, alerts, escalations, calendar events and other activities to define all requisites for successful deal closing. CRM will automatically recommend an action plan to increase employees’ productivity. Bank managers can use data logged in the system to track employee/departmental performance.

    The Risk management CRM softwarecan be utilized by bank representatives to identify unreliable customers or banking system glitches with a high-risk behavior such as late payments, low credit score and other triggers that can help them proactively identify frauds and take proactive action.

    Customer satisfaction and loyalty management modules help banks use CRM to better devise customer retention strategies, shape pricing policies for certain customers and analyze their impact on overall customer satisfaction levels. Banking CRM helps to obtain refined visibility into customer preferences/opinions and helps provide superior advisory services that improve wallet share and loyalty.

    Fraud Detection and Protection Solutions

    Fraudulence and unsolicited invasion of privacy are two threats that haunt the banking and financial sector. With our modern and robust solutions, we not only help you detect frauds but also protect from the impending damages.

    Based on our analysis of security challenges for banks and financial institutions, Czario has developed a Qradar-based solution to help our clients combat fraud.

    We offer solutions for the following types of fraud and more:

  •   Payment card fraud
  •   ATM fraud
  •   Call-center fraud, banking service center fraud (internal fraud)
  •   Money laundering
  •   Unauthorized access to confidential information
  • IBM’s QRadar SIEM is our key component that enables us to nab more than 40 types of frauds

  •   Payment card/ account hijacking
  •   Unauthorized software running on ATM
  •   Transactions (unsolicited) from one payer to several accounts in multiple locations and backwards
  •   Over-the-limit transactions
  •   Systematic transfer of funds between two accounts
  •   PAN key entries
  •   Unsuccessful authentication and user activity outside the office hours
  •   Repeated payments to/from unknown sources
  •   Suspicious payment purposes
  •   Fake marketing messages
  • How we achieve this cumbersome feat

  •   Real-time data analysis
  •   Bank location detection
  •   Data collection and analysis from different sources (both protected, public, and private)
  • ATM Security and Network Protection

    Why Choose Czario for your ATM security and Information Protection?

  •   Over a decade of experience in information security
  •   IBM Silver Business Partner
  •   Experienced team of Certified Security Specialists
  •   Expertise in Security Information and Event Management (SIEM), Identity and Access Management, Penetration Testing, as well as development and maintenance of proprietary software
  •   Our customized fraud protection service ensures identification of more than 40 fraud patterns including unauthorized software running on ATM, surveillance issues, external and internal server interactions, etc.
  • Our Offerings

    ATM network audit and infrastructure analysis to identify design and security level shortcomings and network coverage

  •   Security Intelligence services to cover a wide range of security implementations and handle fine-tuning
  •   IoT-integrated sensors to check the functionality of card readers, ATM machines, and premise security devices
  •   Security incidents data collection, analysis, and report generation
  •   Security breach-resistant platforms and automatic alerting systems
  •   Currency deficit appraisal system
  •   ATM protection checklist with ATM endpoints configuration details
  •   Correlation rules allow monitoring of all the entries into the network, launching of unsolicited services, user access detection, detection of connection loss, software integrity breach detection, antivirus feed and DMZ router logs and flows
  • Call us today to learn more about the wide range of banking solutions that we provide to top banking establishments and fintech companies and get your current system evaluated for free.